Certified Regulatory Compliance Manager (CRCM) — Question 145

Debt collector may not abuse or harass the consumer by:

Answer options

• A. Using or threatening to use violence or to harm the physical person, reputation, or property of any person when collecting a debt
• B. Using obscene, profane, or abusive language when communicating with anyone
• C. Allowing a telephone to ring repeatedly or engaging a person in telephone conversations repeatedly with the intent to abuse or harass
• D. Making telephone calls without meaningful disclosure of the caller's identity

Correct answer: D

Explanation

The correct answer is D because debt collectors must identify themselves during calls to ensure transparency and protect consumer rights. Options A, B, and C involve abusive behaviors that are also prohibited, but they do not specifically address the requirement for meaningful disclosure of the caller's identity, which is crucial for consumer awareness.